Owning or doing anything incurs opportunity cost There is no other human activity or asset where we call simply owning and doing nothing with it "Using" Owning a stock or a commodity or a piece of land somewhere and doing nothing with it is a speculative investment (ie it restricts the supply!) its not a use of the thing. *Particularly* since Bitcoin has security needs ( Which is the only reason it's valuable anyway ) but the holder doesn't contribute to those. Nowhere else would we refer to this as "use"